Capitalize on advanced technology integrations to bring your retirement vision alive.
Managing your 401k/403b should incorporate the research and the science for significant growth and asset protection.
THE SELF-DIRECTED
BROKERAGE ACCOUNT (SDBA)
What is a self directed brokerage account?
The ability to ‘self-direct’ investments in company employer plans is becoming increasingly popular today.
A Self-Directed Brokerage Account (SDBA), is a window inside a company-sponsored retirement plan (401(k), 403(b), 457, etc.) which offers plan participants investment options outside of the limited pre-selected company choices.
Access to professional money management and additional investment options allows investors to seek portfolio growth through strategies not commonly available to standard plans. Investors have access to portfolio integration methodologies that seek to maximize returns and mitigate risks.
How does it work for participants?
Company plans that offer a SDBA allow any plan participant the ability to move their assets, tax- and penalty-free, into a brokerage account and choose from a larger selection of investment choices.
Assets remain in the retirement plan; they are not rolled over and there is no taxable event.
Introducing tactical management and what it can do for a SDBA participant.
Tactical management uses math and science algorithms to track market movements and trends, and removes the emotions from the investing process. Markets are, by their nature, volatile. That volatility deters investors from making rational decisions with their investments and hinders long-term investment goals and returns. Portfolios are designed to capture upward movements and reduce declines.
How can risk management aim to prevent major loss during a market downturn?
Missing the worst days of the market could save investors more than they think; it could save years of catching up. Through fiduciary investment advice and stop loss risk management, we have partnered with Howard Capital Management, to manage participant assets in the account based upon risk-tolerance. The portfolio is adjusted on an as-needed basis. This process removes emotion from the investing process and serves to help participants maximize their retirement goals.
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“In a 2014 Financial Engines/AON Hewitt study, the annual median performance gap return between participants that had help and participants that did not have help was 3.32%, net of fees over the period 2006–2012. This difference can have a meaningful impact on wealth accumulation over time. For a 45-year old participant that seeks the help of a financial professional it could translate to 79% more wealth at age 65.3.”
– FINANCIAL ENGINES & AON HEWITT
CHECK WITH YOUR PLAN-SPONSOR
to Determine if You are Eligible to Open a Self-Directed Brokerage Account.
OPEN YOUR BROKERAGE ACCOUNT ONLINE
Once you open your account, you can move assets from your current investments into the brokerage account.
BASIC COMPANY PLAN |
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BASIC SDBA |
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HCM SDBA |
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